Borrow Up to 100% of Your Home's Equity.
No Payments for up to 90 Days3.
Home Equity Loan2
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Borrow up to 85% of your home's equity with fixed rates1 as low as 5.49% APR* for predictable monthly payments.
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Additional competitive rate options are available to borrow up to 100% of your home's equity.
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No payments for up to 90 days3.
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Fast, local decisions from lending experts who understand your goals.
Smart Uses for Home Equity
A Home Equity Loan2 can be used for more than just home improvements. Put your home’s equity to work where it matters most, with Home Equity Loan2 options available up to 100% financing and no payments for up to 90 days3.
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Home Improvements: Fund repairs or upgrades that enhance your home’s value.
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Debt Consolidation: Roll multiple high-interest debts into one manageable monthly payment.
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Emergency Fund: Prepare for unexpected medical bills, major expenses, or seasonal costs.
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Business Ventures: Launch or grow your business with more flexible terms than many traditional loans.
Home Equity Loan2 Up To 85% Equity
| Loan Term | Annual Percentage Rate (APR) |
|---|---|
| Up to 36 Months | 5.49% APR |
| 37-60 Months | 5.49% APR |
| 61-120 Months | 5.74% APR |
| 121-180 Months | 5.99% APR |
Home Equity Loan2 Up To 100% Equity
| Loan Term | Annual Percentage Rate (APR) |
|---|---|
| Up to 36 Months | 5.99% APR |
| 37-60 Months | 5.99% APR |
| 61-120 Months | 6.24% APR |
| 121-180 Months | 6.49% APR |
Why
AmeriChoice?
Put Your Home’s Equity to Work
Turn the value you’ve built into opportunities that move you forward, with AmeriChoice by your side.
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Local mortgage and lending experts you can trust
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Flexible options to fit your goals and budget
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Trusted partner for life’s big financial moments
1Risk-Based Lending: Risk-based lending applies. Applicant(s) must qualify for the loan and meet all regular credit union criteria. Subject to credit approval. Rates are based on creditworthiness and may vary.
2Home Equity Loans: APR=Annual Percentage Rate. The advertised APR is based upon the applicant’s creditworthiness and may vary from the rate shown. Advertised rates are subject to change without notice. Maximum APR is 21% or the maximum permitted by law, whichever is lower. Closed-end loans secured by real estate; maximum loan-to-value (LTV) varies by loan program, up to 100%, less existing liens, and subject to underwriting. Minimum loan amount $5,000. Refinancing an existing AmeriChoice Equity Loan requires at least $5,000 in new money. Property insurance is required; flood insurance may be required.
390-day Payment Deferral: The first monthly payment may be deferred for up to 90 days from the loan contract date. Finance charges will accrue during the deferral period.
Repayment Example: 15-year term with 180 monthly payments of $8.71 per $1,000 borrowed at the advertised APR.
Other Conditions: All loans are subject to applicable lending guidelines and credit approval. Membership eligibility is required. Offer expires 12/31/2026.
For current rates, terms, eligibility requirements, or additional information, please contact a Financial Service Representative.
Federally insured by NCUA. Equal Opportunity Lender.
People Helping People.
As a not-for-profit, member-owned financial institution, AmeriChoice is passionate about providing superior service and value – for you!